Call reports 2005
MOTHER LODE BANK — 2005
What MOTHER LODE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,819,000 | 36,873,000 | 48,148,000 | 61,894,000 |
| Total loans | 16,055,000 | 21,876,000 | 25,062,000 | 30,259,000 |
| Allowance for loan losses | 99,000 | 152,000 | 213,000 | 310,000 |
| Securities available for sale | 3,945,000 | 3,962,000 | 3,945,000 | 3,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,117,000 | 28,137,000 | 39,423,000 | 53,216,000 |
| Interest-bearing deposits | 14,069,000 | 20,977,000 | 31,095,000 | 42,280,000 |
| Noninterest-bearing deposits | 7,048,000 | 7,160,000 | 8,328,000 | 10,936,000 |
| Equity capital | 8,567,000 | 8,568,000 | 8,525,000 | 8,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 716,000 | 1,347,000 | 2,122,000 |
| Interest expense | 40,000 | 94,000 | 292,000 | 535,000 |
| Net interest income | 249,000 | 622,000 | 1,055,000 | 1,587,000 |
| Noninterest income | 26,000 | 87,000 | 138,000 | 196,000 |
| Noninterest expense | 338,000 | 736,000 | 1,196,000 | 1,759,000 |
| Provision for loan losses | 39,000 | 92,000 | 153,000 | 250,000 |
| Pretax income | -102,000 | -119,000 | -156,000 | -226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -102,000 | -119,000 | -156,000 | -226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,628,000 | 8,611,000 | 8,584,000 | 8,514,000 |
| Total capital | 8,727,000 | 8,776,000 | 8,827,000 | 8,824,000 |
| Risk-weighted assets | 18,213,000 | 24,043,000 | 30,262,000 | 37,200,000 |